Energy Efficiency Regulations (EPC)


All applications must have a valid Energy Performance Certificate (EPC) rated E or above, or a valid exemption.

For applications above 75% LTV, the property must have an EPC rated C or above. Applications on properties which don't meet this criteria will be declined.

If an application is submitted without a valid EPC we'll ask you to provide a valid EPC. Until this is received, the application won't progress and a valuation won't be instructed. This doesn't apply to New Build applications.

When inputting the property address, please ensure this is keyed correctly as we'll automatically verify that it has a valid EPC or exemption on the register.

For applications over 75% LTV that are declined due to a property’s EPC rating not being C or above: appeals will not be accepted, and an application will need to be resubmitted with an LTV of 75% or below and a new product selected.

Currently, in England and Wales, landlords must ensure their properties have an Energy Performance Certificate (EPC) rating of ‘E’ or higher - this applies to properties where there are existing tenants, as well as properties where a new tenancy is being created.

Please note: the requirement for an up front proof of EPC rating is not required for a New Build application. An EPC will not be available until after the property is completed.

The Department of Business, Energy and Industrial Strategy (BEIS), is currently leading on a consultation to improve the energy performance of privately rented homes, which if implemented as legislation, would see the minimum EPC rating increased to C from 2025 for new tenancies and from 2028 for existing tenancies.

The current rules for properties in Scotland are different - for more information, read our approach to the Energy Efficiency Regulations.

Check your client’s property has a valid EPC by using the links below, dependent on your region: 

We require a valid EPC or exemption to be in place at application. The policy on EPC’s varies by the LTV of an application:

For applications at 75% LTV or below: properties must have an EPC rating of E or above, in line with current legislation.

For applications over 75% LTV: to balance the need to support a key segment of the Buy to Let market, whilst recognising future ambitions across the Private Rental Sector to achieve more energy efficient homes, properties must have an EPC, rated C or above at application.

Below are the full details of the TMW EPC valuation policy: